Apho ukuboleka imali ngokukhawuleza, nokuba kukho mboleko obalaseleyo?

Ngakumbi nangakumbi abantu sicinga apho ukuboleka imali ngokungxamisekileyo. Lo mba ubaluleke ngokwenene. Ngapha koko, akukho namnye uya kusinda evela zimeko ebezingalindelekanga. Mhlawumbi kufuneka eminye "ennaya" imali unyango okanye kwisimo! Apho isicelo kule meko? Njani ukuba baziphathe? Akukho nzima kangaka ukuphendula ukuba awunayo naliphi na ityala emikhulu. Kwaye ukuba kukho mboleko obalaseleyo? Ngubani na ukucela imali ngokobungakanani ezahlukeneyo? iingcebiso Top Interesting, ufunde!

Sebenza usebenze kwakhona

Into yokuqala onokuyenza xa zifuna imali kwi iikhredithi lokuvula - kukuba ukufumana imisebenzi yesibini. Ngamanye amazwi, musa kungena kwenye elide, kodwa nje ukuze bafumane imali efunekayo. Oko kungelula, kodwa kunokwenzeka.

Ngokuqhelekileyo, le ndlela kulungile kakhulu kuba abo 'musa ovuthayo "mboleko. Oko kukuthi, imali ifuneka ngokungxamisekileyo, kodwa ngephanyazo. Ukuba kukho amathuba incinane imali imveliso esizimeleyo zama ukuyisebenzisa. Kanye ukuze ukwazi ukufumana wena ngendlela "ukutshona ematyaleni".

Ukuziqhelisa, isisombululo esinjalo Akuvamile ukuba yimpumelelo. Yaye abantu bazame ukucinga elibonakalayo malunga apho ukuboleka imali ngokungxamisekileyo. Ngapha koko, ukuba ukuhlawula amatyala kwixesha elizayo, ngamanye amaxesha kakhulu lula ngakumbi xesha lifutshane kangangoko ukwenza eyakho.

izihlobo

Ngubani owenza zoqhagamshelwano unazo naziphi na iingxaki? Kwisibizo! Ngoko ke, ukuba ucinga ntoni apho ukuboleka imali ngokukhawuleza, nokuba kukho mboleko eseleyo, unga zama ukuba ndibhenele intsapho yakhe. Baya kukunceda.

Nangona kunjalo, le ndlela kwakhona awulungelanga yonke. Ibaluleke kakhulu kukuba, kwezinye iinkalo wena yakho nomzala-nye obolekayo nobolekwayo, kwakunye mlinganiswa. Ukuba yonke into kakuhle, liyaphendula yaye umntu nobubele, wena inobuhlobo, unako nokuba ukuboleka imali ngaphandle kwenzala. Umnike mhlawumbi ngokungaphelelanga okanye ngokupheleleyo ngaxa ethile.

Kodwa xa ububele isalamane yahlukile okanye ukuba nje kulwalamano embi, akumele sukuphazamisana naye. Ngokuqhelekileyo abantu abanjalo acelwe ukuba anikezele intwana mboleko ngomdla. Okanye ngaba elizayo uqala ukuze ' "lokubonelela ngenkxaso eziphathekayo kuwe, nokuba wena ekubaleni ngokupheleleyo ixesha elide. Njengoko ibonisa yokusebenza, abazali, nabo, wakhetha ukuba athathe imali. Nam ityala okanye nje.

abahlobo

Apho ukuboleka imali ngokungxamisekileyo ngaphandle umdla? Enye indlela kunokuba umdla yokusombulula ingxaki - isibheno nabahlobo kunye namaqabane akhe. Olu khetho amkeleke abantu abanoxanduva. Nokuba kunjalo, ngoko kukho uhlobo ityala.

Le eziluncedo ziquka ukungabi namdla semali-mboleko. Ezinye, Kakade ke, kufuneka kuwo, kodwa akukho nje rhoqo. Kwakhona, wena uhlala nabahlobo uyakwazi bavumelane malunga nobude bexesha lokuhlawula "mboleko".

Zama ukuba kungekho mboleko eseleyo. Abanye abantu badla ngokungazithembi abemi kunye namatyala. Ukuba ke nina "asemva" omnye intlawulo, kwaye hayi ukuba okwesihlandlo sokuqala, uzibeka esichengeni yokuphulukana ukuzithemba umntu. Mboleko evela usapho kunye nabahlobo kuba abemi ngakumbi efanelekileyo noxanduva. Okanye nje abo bathembele.

"Privateers"

Apho ukuboleka imali ngokungxamisekileyo? Umntu labucala. Okunye ngqo, naliphi na umhlobo okanye ungowasemzini. Kungenjalo, ekufunyanweni. Njengomgaqo, unako ukufikelela kubantu uncedo. Yaye ke inxenye kubo baya kuvumelana ukuba akuncede.

Noko ke, xa iikhredithi lokuvula zinokuba neengxaki ezithile. Engafuni kakhulu ukuba wababoleka imali abantu abo ukubuyisa imali ngexesha. Kungenxa yoko le nto "nabanini babucala" imali kuphela xa kufunyenwe. Iya kubonisa indlela oyiboleke. Kwaye apha emiselweyo imali kufuneka uhlawule kwixesha elizayo. Ixesha nalo zicaciswe.

Isiliphu - uxwebhu enika "privateers" ingqinisekiso. Yena unelungelo lokuba aye enkundleni, xa uzama 'bayayibaleka' ukusuka ukuhlawula imali-mboleko okanye amatyala. Fumana aba bantu kuba phezu iintengiso (kumaphepha-ndaba okanye kwi-intanethi). Njengoko ukhetho - jonga nje abanye umhlobo wakhe isicelo efanayo. Phantsi iirisithi nemali, xa kusenziwa, ngokufuthi omthembileyo. Ngoko ke, amathuba okuba uphumelele nto incinane kangaka.

imbuyekezo-mali

Sicinga apho ukuboleka imali ngokungxamisekileyo? Ngokunyaniseka, isicombululo ilungileyo le ngxaki iza kuba inkululeko etyala elo likhoyo. Emva koko uya kuba nako ukuya nje ebhankini semali-mboleko entsha.

Mhlawumbi le ndlela isondlo kuphela lwenzeka. Ngapha koko, kunye iikhredithi lokuvula ambalwa kufuneka zibe buyiselo kwayo. Ngoko ke onke amandla indlela. ukwamkela Kanye njengokuba omnye kunokwenzeka.

Ukuxhumana bank

Apho ukuboleka imali ngokukhawuleza, nokuba kukho mboleko obalaseleyo? Jonga bank ethile encinane kwisixeko sakho. Mhlawumbi uya kunikwa mboleko. Nangona senzo kusenokuba mthethweni. amaziko zebhanki idla bayala ukuvula kwi credits ezintsha.

Kodwa ithemba amathamsanqa. Kwezinye iimeko, abasebenzi okanye ngabom ukwenza zeminyinyiva (ngenxa oluhle ubungqina), okanye singaqondanga akunike mboleko, musa ukunikela ingqalelo imali ekhoyo. Akukho khetho ethandwayo kakhulu, kodwa kwenzeka oko.

MFI

Neendlela ngoku ezinomdla kakhulu kwaye luyasebenza. Ukuba ucinga apho ukuthatha imali kude (ukuba ikhadi okanye imali), nceda uqhagamshelane amaziko microfinance. Ludla zinika microloans kunye mboleko ngaphandle wamaphepha olongezelelweyo. indlela elungileyo kakhulu ukufumana imali.

Kanye phi ukuya? Umzekelo, kwi "Mikrodengi", "Bystrodengi" njalo-njalo. Ilungelana nawuphi na umbutho microfinance esibonelela imali leyo yokundwendwela. Ngako oko, ukuze afumane imali-mboleko, nje yesazisi. Oko kukuthi yokundwendwela. Yonke enye into ayibalulekanga ukuba MFIs. Ukuba ufuna ukufumana imali kwikhadi (ezinye iinkampani ukuyibonelela le nkonzo), ukunika iinkcukacha ngakumbi kuyo.

Le ndlela elungileyo kakhulu, kodwa ethile enye - loo nto izinga lenzala. Ukuthatha, umzekelo, 10 000 ngenyanga, kuya kufuneka ukuba ahlawule elipheleleyo malunga 12-13. Ngokubanzi, i-egqithisileyo kwimibutho efana likhulu kakhulu. Asingabo bonke bakulungele ukwenza isigqibo ukufuduka.

Enye minus - yinto yokuba phantse uya kunxibelelana abaqokeleli xa kuthe kumatyala kwi-IFIs nangoko. Kwaye ke inkathazo iintlawulo ematyaleni uya kuba ixesha elide emva kokuba ukuhlawula imali-mboleko ngokugcweleyo. Ngoko ke, ngaphambi kokuba isicelo MFI kufuneka ziqwalasele ngenyameko ukuba oku kuyimfuneko.

iinkonzo Internet

Apho ukufumana imali ngokukhawuleza kwi ikhadi kwaye ngaphandle ukungaphumeleli? Le yokugqibela yindlela elungileyo ukuba ndibhenele ngeenkonzo ezahlukeneyo Internet. Ludla ukuvumela nje imizuzu embalwa ukuze ufumane imali kwi ikhadi okanye e-wallet.

Konke ekufuneka - kukufumana inkonzo efanelekileyo. Bona kwi Internet eninzi kunene. kulula Application - ugcwalise le fomu, leyo iquka iinkcukacha zakho yokundwendwela, iinkcukacha ikhadi zebhanki, kwakunye nemali-mboleko. Musa ukulibala ukuba ushiye inani qha wena. Emva kwexesha elithile (ukusuka imizuzu eli-10 ukuya iiyure eziliqela) uya kubiza kuwe umva kwaye uxelele umphathi ukuvuma okanye ukwala isicelo. Okanye ukufumana umyalezo wombhalo osisiphumo ukusebenza elihambisayo.

Ukuze kube lula kubasebenzisi kwezi nkonzo ngokuqhelekileyo zinika iikhalityhuleyitha nokuba ezizodwa. Baya kubonisa kuya kufuneka kangakanani ukubuyela, ukuba uthatha u ku zakohlwaywa ngaphambili ixesha nemali yakho ethile ngemali. Akukho izimanga - uya kusoloko uyazi kangakanani ukuhlawula umbutho.

Kodwa inani neengxaki apha, kananjalo, apho. Ukuba ucinga apho ukuthatha imali ngoko nangoko, nokuba kukho mboleko ebalaseleyo, waza wagqiba ukuba le nkonzo onesiqhamo, ulungele egqithisileyo enkulu. amazinga enzala ngokuqhelekileyo ziphezulu. Nangaphezu e MFIs.

Rhoqo ke iinkonzo intanethi nje ngesayithi zobuqhinga. Le mali ikhutshwa kuwe, kodwa nayiphi na imali azifumane. Kwaye ukuhlawula ukho kum. Kungenjalo uya kufuneka ukujongana neenkampani yokuqokelelwa kwamatyala. Ngoko ke, zama ukuba ukusebenzisa le ndlela. Kwaye basebenzise oko kuphela kwiimeko kakhulu.

iziphumo

Ngoku icacile apho ukuze ufumane imali ngoko nangoko kwi-khadi ngaphandle ukusilela. Kwaye yintoni indawo isicelo semali-mboleko yemali nayo. Bekela bucala imithombo zilandelayo:

• izihlobo;
• abahlobo;
• usurers and "privateers ';
• iibhanki;
• inkampani microfinance;
• banikeze iinkonzo online.

Ukongeza, ungenza kuqala ukuhlawula off an ityala ekhoyo okanye nje ukwenza imali eseleyo imali. Phakathi kwazo zonke iindlela ezininzi usoloko esebenzisa ngempumelelo isibheno izalamane kunye egciniswe. Kodwa MFIs kunye Internet iinkonzo ezahlukeneyo ngcono. Yaba hype kakhulu okwangoku eziyiyo. Khumbula - akukho inkampani yesazela akuthethi uqhagamshelane nomnye umntu, aze ngokunjalo abe-mboleko eseleyo.